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Invox Finance platform is an invoice lending platform connecting sellers, buyers and investors on the blockchain.

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It's time for a change in
Invoice Financing

The key problem with traditional invoice financing is that the financier purchasing an invoice from the seller and advancing the funds against it does not have a direct relationship with the buyer. The financier solely trusts the information provided by the seller. As a result, the relationship between the seller and the buyer is not completely transparent to the financier, and therefore exposes the financier to a considerable risk of the invoice not being paid as agreed or disputed.

Summary of potential problems

The seller and the buyer may collude or conspire together to defraud the financier.

The seller may issue an invoice for a service that has not been fully completed or a product that does not comply with agreed specifications or requirements.

The buyer may dispute the payment liability.

There are also issues with the complexity of the processes and the legal documentation involved. The preparation and execution of legal documents is laborious and costly and may involve a number of third-party providers.

The buyer may become insolvent and unable to pay for the invoices.

The seller, in breach of its agreement with the financier, may instruct the buyer to pay for the invoices directly to them and not return the funds to the financier.

The Invox Finance Model

We plan to disrupt and revolutionise the traditional invoice finance industry by implementing a global distributed peer-to-peer lending platform called the Invox Finance platform.

This platform will completely eliminate the need for a financier’s involvement by connecting businesses that wish to accelerate their cash-flow through selling their invoices, directly with investors who wish to finance these invoices.

Decentralised Platform

The Invox Finance Platform will allow sellers, buyers, investors and other service providers to directly connect, interact, share and distribute information.

Lower Rates for Sellers

Sellers will be able to obtain financing at lower interest rates than normally received from a traditional financier.

A New Way for Investors to Diversify

Investors will be granted access to an investment product that is for the most part currently only available to the banks and finance companies. The Invox Finance platform will provide investors with exposure to loan products that will comprise of loan fragments from a large number of diverse businesses across various industry sectors.

Dynamic Invoices on a Distributed Ledger

Dynamic invoices provide all parties with the ability to update invoice information in realtime, ensure immutability and manage sensitive information access.

Direct Access to Investors

The Invox Finance Platform will provide sellers direct access to individual investors. This new distributed peer-to-peer lending environment will benefit both sellers and the investors.

Reducing Risks

Invoice loans will be fragmented into smaller increments allowing investors to purchase fragments from a large number of loans to increase their diversification and, most importantly, reduce their overall risk profile.

Bringing All Parties Together

A system where trust and transparency between all parties is developed through permissioned access, verifications, and an in-built reward system.

Never Miss a Key Update

Who will use Invox Finance Platform?

Sellers who have invoices they wish to sell to accelerate their cash-flow

Investors seeking higher rates of return and diversification of their investment portfolio

Buyers who will receive extended invoice payment periods and be rewarded for verifying invoices

Invox Tokens

In conjunction with the Invox Finance platform, an Invox Token will be created on the Ethereum Network.

Provide Access

Invox Tokens will provide sellers with access to the Invox Finance Platform. Through the Trusted Member Program each seller will be required to pay a certain amount of Invox Tokens as a yearly membership to gain access to the platform.

Reward Work Performed

The system will reward buyers and sellers with Invox Tokens for the verification and payment of invoices.

Initial Coin Offering

The rationale behind conducting the ICO is to pre-sell membership to the system through the sale of Invox Tokens.

Invox Tokens will entitle holders to access the Invox Finance Platform through the Trusted Member Program. By participating in the Invox Finance two-stage fundraising process, you will be provided with an opportunity to aquire Invox Tokens at a discount.

The ICO will be conducted in two parts with a bonus system rewarding participants in the pre-ICO as well as during the ICO itself. The maximum amount of Invox Tokens being minted will be released at the start of the Pre-ICO, along with open source smart contracts on our Github.

Roadmap and Targets

Stage 1

During the initial stages, the team will have invested over $500,000 AUD in cash into Invox Finance. This investment was used to create an initial community, develop this white paper, prepare to conduct an ICO, establish a system framework, and most importantly engineer the Dynamic Invoice Smart Contract.

Stage 2

The main objective will be to complete the pre-ICO stage, begin developing the Minimum Viable Product (MVP) and complete the full ICO.

Stage 3

Once fully funded by the ICO, we will complete the MVP and commence rigorous user testing to ensure the release of a quality product.

Download Whitepaper

Meet the Invox Finance Team

Alex Mezhvinsky


Adam Mezhvinsky


Daniel Tang


Victoria Mezhvinsky

In House Legal Counsel

Lucas Cullen

Lead Solidity Developer - Contractor

Henry Sit

Business Development Manager

Our Advisors

JP Thor

Crypto Advisor

Michael Bacina

Legal Advisor

Mo Hamdouna

ICO Marketing Advisor

Boris Mezhvinsky

Angel Investor

Chris McLoughlin


Kyle Hornberg


James Waugh

Tokenomics Advisor

Our Partners

ABR Finance

Private finance company specialising in loans for the small business sector

Mo Works Creative Agency

ICO Marketing Agency located in Melbourne with hands wrapped around the globe.

Spero Research

Strategy and Market Advisors

Made with Ply

UX design for apps, web and digital products.

Blockchain & Bitcoin Brisbane

Blockchain & bitcoin consultants & software developers.


What is Invoice Financing?

Invoice financing describes the process of a financier purchasing invoices from the seller. Traditionally, the financier agrees to advance money to the seller against each invoice. The buyer who purchased the seller’s products must then pay the invoices directly to the financier.

How will the Invox Finance platform solve the problem?

The Invox Finance platform is a transparent invoicing system that will establish trust between all parties (buyers, sellers, investors and service providers). Instead of the execution of transactions being dependent on the centralised third-party service provider, a distributed ledger will ensure transactions are clearly visible and information is secure.

How does Invox Finance differ from Populous?

Currently, Invox Finance only has one other competitor in the blockchain space. We offer a unique dynamic invoice model and fragmented loan system, ensuring the best possible experience for seller, investor and buyer. Although both projects were founded recently, our team has been working within the invoice financing sector since 2012 and has successfully funded small businesses with over 30 million dollars.
A more detailed comparison of the two projects can be found on page 16 of our whitepaper.

Why do you need the blockchain?

Every player involved in the invoice financing process, including the buyer, seller and investor, benefits from the blockchain. The blockchain reduces the amount of paperwork, back-and-forth communication and related costs, and is the foundation of Invox Finance’s revolutionary dynamic invoice.

Why do you need a token?

Invox tokens are what you will use to access Invox Finance system and perform different actions. Invox tokens are also used to reward platform users in two ways; they reward the buyer on verification and reward the buyer and seller once the invoice has been paid.

What is a dynamic invoice?

If you think about it, invoices have not changed for hundreds of years. How is it that such an important legal contract that is the backbone of business around the globe hasn’t evolved?
Say hello to dynamic invoices. Dynamic invoices exist on a distributed ledger through an Ethereum smart contract. These invoices provide all parties with the ability to update invoice information in realtime, insure immutability and manage sensitive information access.

Who do you charge?

The system is completely free for buyers, investors and third-party service providers. Sellers will be charged a membership fee and stake 1% of each invoice (half of which is returned upon repayment).
We charge the seller as there are some onboarding costs associated with credit checks and legal. This also helps pay for the marginal costs of gas on the ethereum network. We would like ideally like to make the system free for everyone, of course!

Will the users of the system need to know anything about blockchain?

No, the user interface on the Invox Finance platform will create a seamless user experience. In particular, the user interface will allow for all payments to be made in fiat currencies by utilising our banking partners’ API. Fiat currencies are legal tender whose value is backed by the government that issued it (i.e. AUD, EUR, GBP, etc)

Do you have any software development done?

Absolutely. Our whitepaper contains the coding for our proof of concept which is the dynamic invoice. We are currently working on the MVP, and have been since 2017, with our solidity programmer.
We’re not only coding the back end but also have UX and UI expertise to ensure the front end is simple and easy to use. We are a motivated and technically equipped team who is always moving forward and ready to hit the ground running as we receive more funds.

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